BEST FOR UNITED LOYALISTS AND FREQUENT FLYERS

The United Club Infinite card comes with the most perks and highest earning rates of any of United’s personal credit cards. (Partner offer)

At a glance

  • 4X Earn 4 miles per $1 spent on United® purchases
  • 2X Earn 2 miles per $1 spent on all other travel and dining
  • 1X Earn 1 mile per $1 spent on all other purchases
Earn 80,000 bonus miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
21.99% - 28.99% Variable
21.99% - 28.99% Variable
29.99% Variable
Up to 29.99%
$525

At a glance

  • 4X Earn 4 miles per $1 spent on United® purchases
  • 2X Earn 2 miles per $1 spent on all other travel and dining
  • 1X Earn 1 mile per $1 spent on all other purchases
Earn 80,000 bonus miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
21.99% - 28.99% Variable
21.99% - 28.99% Variable
29.99% Variable
Up to 29.99%
$525
  • Earn 80,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Our Take

TPG Editor's Rating

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3/5

Overview

The United Club Infinite card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags and even a Global Entry/TSA PreCheck application fee credit worth up to $100 once every four years.

Pros

  • Earn 4 miles per dollar spent on United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
  • United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
  • Up to $100 statement credit for Global Entry/TSA Precheck application every four years
  • Free first and second checked bags for you and one travel companion on the same reservation
  • 25% inflight statement credit on eligible purchases

Cons

  • High $525 annual fee

Who is this card good for?

This card is tailor-made for United loyalists. It comes with access to upscale United Clubs at airports, free checked bags, priority boarding and priority services at the airport. If you’re a United fan and frequently fly with the airline, the United Club Infinite card is likely worth having.

Earning Rewards

The United Club Infinite card accrues 4 miles per dollar spent on United purchases and 2 miles per dollar spent on all other travel purchases and dining, including eligible delivery services. Additionally, all other purchases earn a flat rate of 1 mile per dollar spent.